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ACLI Perspectives


Why the Senior Safe Act Matters

In the last year of my dad’s life, he was living at home in Alabama. He had a caretaker who came a few times a week to make sure he was taking his medicines and to see if he needed anything, like groceries or household supplies. My father appreciated the help of a caretaker.

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Addressing Necessary Long-Term Care Insurance Rate Increases

Most of us don’t want to think about a day when we might not be able to take care of ourselves on our own. But the reality is, many of us will need some type of long-term care later in life. That’s why many people have turned to long-term care insurance. This line of insurance has helped families cover costs for assisted living, nursing homes and home health care when they can’t live on their own anymore.

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Who Needs Disability Insurance? The Answer Might Surprise You.

26-year-old Michael Sizemore was training for a marathon and enjoying work at a nonprofit organization. Then, his life changed when he was out one night with his friends. Here’s his story.

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New Retirement Plan Marketplace Makes It Easier for Americans to Save

Jonathan Clements, former personal finance columnist for the Wall Street Journal, once quipped, "Retirement is like a long vacation in Las Vegas.  The goal is to enjoy it to the fullest, but not so fully that you run out of money." 

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A Better Path for Consumer Protection

As appeared in Morning Consult, March 26, 2018

The U.S. Fifth Circuit Court of Appeals delivered on March 15 one of the most positive, pro-consumer decisions in years by overturning an ill-conceived and harmful U.S. Department of Labor “fiduciary” regulation.

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Retirement Enhancement and Savings Act

As appeared in The Hill, March 11, 2018

Everyone loves an upgrade. Whether it’s upgrading to business class on a flight or to a nicer rental car, upgrades offer a little more comfort and happiness.

Now Congress is considering improvements to something that is central to our comfort and happiness, as well as our peace of mind: retirement savings. The Retirement Enhancement and Savings Act (RESA) will not only make some improvements to the current system, but also provide access to workers who may not currently contribute to an employer-sponsored retirement plan.

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What Your Age Reveals About Your Retirement Security

My family looks forward to attending our “family reunions” every summer. Fortunately, the reunions on my mother’s side take place on the even years, and the reunions on my father’s side take place on the odd years. Regardless of the side, it gives us a chance to catch up with family members and hear all about what is going on in their busy lives. Graduations, marriages, births, retirement—these are exciting milestones. However, because of my particular lens, I look at each milestone as being tied to a different financial goal—and I encourage others to do so as well.

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New Report Finds More Americans Turn to Life Insurers for Financial Protection

Life insurance products provide financial security for families when they are most vulnerable. To understand product ownership and industry trends, the American Council of Life Insurers has produced an annual Life Insurers Fact Book for over 70 years.

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Fiduciary Rule Delay Provides a Second Chance to Get Regulation Right

Regulations written to protect consumers are too important not to get right. And when they are not right, they should be re-examined and redone to ensure they truly work in consumers’ best interests.

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A Winning Decision for Retirement Savers

The Department of Labor made a crucial decision yesterday that would ensure, for now, continued access to retirement guidance and products—especially for retirement savers with small and medium sized accounts. The DOL announced that it would delay full implementation of the controversial exemption requirements associated with its "fiduciary rule."

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